Total and Permanent Disablement (TPD) insurance

TPD insurance pays a lump sum in the event you become totally and permanently disabled.

Why TPD insurance?

Have you ever considered what your financial future would look like if you became disabled and were never able to work again? Even if you have income protection, you may be facing medical, rehabilitation and support costs, a lower income and no ability to increase your income over your working lifetime.

Meet medical bills and regular expenses

TPD cover can offer financial assistance in the form of a lump sum to help you meet medical and rehabilitation costs. The lump sum can also assist with living expenses and financial debts such as mortgages and loans.

A choice of TPD cover options are available to suit your different needs. For example, you can select to be covered if you can't work, can't perform domestic duties, or if you suffer a permanent disability that prevents you from performing everyday tasks.

Access to continued support

Along with valuable financial support, BT's TPD cover can also include a counselling benefit for you and your family that becomes available after the TPD benefit has been paid.

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BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL) as trustee of the Westpac MasterTrust ABN 81 236 903 448. WLIS and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Read the Product Disclosure Statement to see if this insurance is right for you.

The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.